I need to replace lost/damaged items. How does that work?
For an auto claim: Once a Claims Adjuster has assessed the damage, you are ready to make repairs or replace your vehicle. For repairs, you can choose your own shop, or we'll help you find a trustworthy preferred vendor. If your vehicle cannot be repaired, the Claims Adjuster will coordinate a payment so that you can purchase a new vehicle.
For a home claim: Your Claims Adjuster will assess the damage. Then you can start working with a contractor to make repairs or shop for replacement items. Scotia Home & Auto Insurance will issue a payment for an agreed amount.
How can I add jewellery (etc) to my home policy?
Your home policy will cover the personal items in your home (subject to limits) which can include your furniture and appliances, clothing, jewellery, electronics, cameras, etc.
Although specialty items (such as jewellery, furs, artwork, coin collections, bicycles, etc.) are included in your personal property, they are often subject to specific limits.
When higher limits are required for specialty items, you can purchase optional riders to enhance coverage.
Please connect with us to ensure that you have adequate coverage to protect you and your valuables.
Do I need to insure my valuables separately?
Your home policy will cover the personal items in your home (subject to limits) which can include your furniture and appliances, clothing, electronics, cameras, etc.
Although specialty items (such as jewelry, furs, artwork, coin collections, bicycles, etc.) are included in your personal property, they are often subject to specific limits.
When higher limits are required for specialty items, you can purchase optional riders to enhance coverage.
Please connect with us to ensure that you have adequate coverage to protect you and your valuables.
Home Insurance